Long Term Disability Summary Plan Description

SUMMARY PLAN DESCRIPTION Name of Plan: Mid-America Apartments, L.P. Employee Welfare Benefits Plan

Plan benefits are provided under the terms of the Group Disability Income Policy No. GF3-850-289106-01 hereinafter referred to as "the policy", issued by Liberty Life Assurance Company of Boston, hereinafter referred to as "Liberty," to the Employer hereinafter referred to as "Sponsor". Participants Included: See Schedule of Benefits

Name and Address of Sponsor: Mid-America Apartments, L.P. 6584 Poplar Ave. Memphis, TN 38138

Who Pays For the Plan: Premiums are paid by the Sponsor. The cost of the Plan is funded 100% by Employer contributions. Plan Identification Number: a. Sponsor IRS Identification No.: 62-1543816 b. Plan No.: 510 Type of Plan: Group Disability Income Plan Year: January 1st - December 31st Plan Administrator, Name, Address and Telephone No: Mid-America Apartments, L.P. 6584 Poplar Ave. Memphis, TN 38138 (901) 682-6600 Agent for Service of Legal Process on the Plan: Same as above. Type of Administration: Insurer Administration Funding Arrangement of the Plan: Benefits of the Plan are insured.

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